\begin{table}[htbp]\centering
\def\sym#1{\ifmmode^{#1}\else\(^{#1}\)\fi}
\caption{Effect of Securing a Loan with Digital Collateral on Loan Repayment and Loan Completion, by Early Adopters\label{LASMH\_repay\_earlyadopt\_ITT\_100}}
\begin{tabular}{l*{3}{c}}
\toprule
                    &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}\\
                    &\multicolumn{1}{c}{Secured Treatment}&\multicolumn{1}{c}{Selection}&\multicolumn{1}{c}{Moral Hazard}\\
\midrule
Subsample treatment &        0.15\sym{***}&        0.01         &        0.14\sym{***}\\
                    &      (0.05)         &      (0.05)         &      (0.05)         \\
\midrule
Observations        &         247         &         308         &         223         \\
\bottomrule
\end{tabular}
\end{table}
